When was my house built?
To get home insurance, you’ll need to tell your provider how old your property is. While you don’t have to be spot on with the date, it’s important to be as accurate as possible, as this can help to determine how much you’ll pay. Here’s how you can find out when your house was built.
To get home insurance, you’ll need to tell your provider how old your property is. While you don’t have to be spot on with the date, it’s important to be as accurate as possible, as this can help to determine how much you’ll pay. Here’s how you can find out when your house was built.
How to find out when a house was built
There’s a number of ways that you can find out the year your house was built.
Check your home or mortgage survey
Look at the mortgage valuation survey or the home survey you had done before you bought the property. They should give at least the approximate age of your home.
The home survey should also tell you what materials have been used to build your house. If it’s built with non-standard materials – for example, if it has a timber frame – this can affect the price of your home insurance.
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Check your mortgage offer
If you have a mortgage on your property, look at the original mortgage offer. It should have details about the property that may include its age.
Check the title deeds
When you buy your home, you should be given the title deeds for your property. These show the full history of a property, including past mortgages, sales contracts, ownership and a description of the property. If you can’t find the title deeds, contact the solicitor or conveyancer involved in the sale – they should have a paper copy. If your home is registered with HM Land Registry, they might also have a scanned digital copy of the title deeds.
Submit an enquiry to HM Land Registry
HM Land Registry records information about properties in England and Wales. It documents land ownership, not when property was built on the land. So while it won’t necessarily tell you the exact age of your property, it could give you a good idea.
For a fee of £3, a Land Registry search could tell you when the developer who built the property first sold it to a buyer. You could find out the approximate date your house was built by checking its first transfer of ownership or its first lease.
Find out if the property is registered:
- In England and Wales – HM Land Registry
- In Scotland – Registers of Scotland
- In Northern Ireland – Land & Property Services
Speak to your local council
Another way to find out when a property was built is to ask your local authority if they have a record of when planning permission was granted for the construction of your house.
It’s worth bearing in mind that this could take some time. Also, records occasionally get lost, particularly if they were drawn up before the days of electronic files.
Consult the seller or an estate agent
If you’re buying a home and need to get buildings insurance in place before exchanging contracts, it might be worth getting in touch with the seller or their estate agent to see if they can confirm when the house was built.
The seller must fill in a property information form before putting their home on the market, so this might reveal the age of the property.
Talk to your neighbours
If all else fails, there’s a good chance one of your neighbours will know how old the properties on the street are. They may have had a home survey done themselves or their deeds might contain age details. Of course, this only applies if your houses are identical or very similar in appearance.
There’s no harm in asking as it might save you a lot of time and hassle – plus it’s a way of getting to know your neighbours better.
How do I find out when an older house was built?
If you have a pre-1920s house, there are other ways to find when your property was built, as more information is publicly available.
Compare architectural features
An older home will usually have a distinctive style and character features. Windows, doors, roofs and even skirting boards can all point to a particular era.
Historic England has lots of information on estimating the age of your property based on architectural features of the house.
Check the 1862 Act Register
You can search when your house was built online through HM Land Registry’s archives. It contains information on around 2,000 properties built before 1862, which you can search for free.
Check census records
It might be worth looking at census data, collected every 10 years, to find a first mention of your address.
Trawl local archives
Local councils have a wealth of archive material on their area. You could search your local parish records, county record offices or library for clues. Old maps, building plans, photos and newspaper articles can all help you find out when your home was built.
Contact a local history society
Local historians can be a mine of information. They may be happy to share their knowledge of architecture in the area, which could give an idea of when your house was built. The British Association For Local History has a handy directory of local history societies throughout the country.
See if your house is on the national heritage list
If your house is a period property, it might be listed on one of the national heritage sites:
How does the age of my property affect my home insurance premiums?
The age of your home reveals a lot about the property and has an impact on the premium you pay.
As a general rule of thumb, older properties are more expensive to insure because they’re more prone to structural problems, and ageing pipes can lead to water damage claims. New houses tend to be cheaper to insure because they’re built using modern materials and are less likely to have suffered as much wear and tear as an older home.
Your property will usually be put into a pricing band by home insurance providers – so finding out the exact date your house was built could potentially save you money. For instance, if you estimated a build date of 1975 on your policy but your home was actually built in 1980, you could end up paying more than you need to for your insurance.
Frequently asked questions
Will the age of my home affect the rebuild cost?
Yes, it could do. If you live in a modern home built with standard bricks or stone, the rebuild value will be far less than, say, a period property with a thatched roof, which may need specific materials and specialists to rebuild it.
Find out more about calculating the rebuild cost of your home.
Will the size of my house affect my home insurance?
The bigger your home, the more you’re likely to pay for your home insurance. For example, contents insurance is likely to cost more for a five-bedroom house than for a two-bedroom home. This is because you’ll probably have more possessions to insure. And a bigger home might be more expensive to rebuild, which could affect the price of your buildings insurance.
What else could affect the cost of my home insurance?
As well as the age, size and rebuild cost of your house, there are other factors that could affect the cost of your home insurance. These can include:
- Your postcode – local crime rates and whether your home is in an urban or rural area can have an impact on your premium
- If there’s a subsidence risk
- If your home is in a high-risk flood area
- If it’s considered a non-standard property
- If you’ve built up a no claims discount
- The amount of excess you’ll pay towards a claim.
See our guide to saving money on your home. insurance
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